Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3249 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hello this is my first time in posting here so i hope i have posted in the right place..

 

i took out a loan with payday uk and it spirelled out of control,i emailed them asking to set up a payment plan as i could not afford to pay it all in one go,they excepted straight away..the first payment was not taken they told me it failed. i then had a payment go in from tax credit and as my circumstances had changed was due a over payment i didnt know about this untill after the payment went into my account,anyway in the mean time payday took every penny they left me and my 3 children with nothing this money would have come in very handy as i am struggling to pay rent this month..i have told them this but they have told me as i have signed the aggrement they can take payments how they like they took it in installments within the space of a few hours..is there anything i can do now as i have no money and am at a loss if anyone could help i would be most grateful...

Link to post
Share on other sites

Go to your bank and demand a chargeback. If you used a visa card, then read http://whatconsumer.co.uk/visa-debit-chargeback/

 

 

Unfortunatley, you are in for a rough ride, as banks seem to think they are above the law in this area. You will need to create a parachute account with a completely different banking group to safeguard your income. You also need to be complaining to the PDL, as well as your bank and OFT.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I also find it curious that their parent companies credit license doesnt seem to exist.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

thank you for the reply i have complained to payday uk but they just kept saying that as i had signed a aggrement they can take as much as they like but the amount they said they took does not add up they said they took £900 when there was only £600 in the account and that my account with them is now cleared but blocked..off to my bank later to see what they will do had a look at the link you gave me but its all about claiming back if you have bought goods nothing to do with loans

Link to post
Share on other sites

Their agreement isnt enforceable under law.

 

The link i gave is still valid. It covers anything paid for by visa card. There are better links with more info, but you are still entitled to a chargeback because your details were used fraudulently.

 

Also, NEVER talk to them on the phone. Ever. For any reason. keep everything in writing, so you have a complete paper trail. Otherwise the PDL will simply turn round and say that you agreed they could take the full amount.

 

Regardless, get the chargeback started and get a new bank account with a different banking group. Also, you MUST file complaints with the PDL/OFT and bank. If you don't, then theres no point you being on this forum.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

ok thanks will re read it now..but does it matter now if their agreement is enforceable or not now as they have taken the money and shut my account..sorry to be such a pain am just worried sick now as i have to try and find a lot of money in a few short days..

Link to post
Share on other sites

PDL's always say their terms and conditions are enforceable, yet CAG has proven time and time again that they aren't. Calm down, and go talk to your bank. Tell them the money was fraudulently taken, and you want a chargeback issued. If you have proof, take it with you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Im currently in the process of drawing up a repayment plan to my creditors, one of who is PayDayUK, or Purple loans, whoever they are!!! I had one of their delightful assistants contact me last week after I defaulted payment, basically trying to bully me into paying. Suffice to say I warned him of the protection of harassment act 1997, put the phone down, and they haven't tried to ring me since!

Link to post
Share on other sites

hi had a reply from payday uk asking me to prove that the money that was taken was from benefits and that they would then look into it and maybe refund the money (cant see it) also bank said it was not taken fraudulently as i had signed the agreement for them to take the payment now i am just hoping that payday uk has a heart and does look into this for me...

Link to post
Share on other sites

Your bank is wrong. If the money that was taken was benefits then they are legally obliged to return it. Name and shame the bank.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

thank you all for the reply's had a e mail off payday uk asking for my bank statement showing my tax credits going in so sent this but removed all my personal details as i have 2 accounts and put money into the other account for bills i did not want them having this account number as i am worried they will take money from there...they have since emailed me saying they want a full statement showing the money going in and where they took the money should i send this???also have a appointment with my bank manager this week so going to speak to him about this fingers crossed he will be more in the know with getting my money back

Link to post
Share on other sites

Shouldnt have sent them. They have no reason or right to see them. But at least you removed info.

 

As for their request, do not send it. All they need is a copy of the transaction. Nothing else.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...